Our Products
At Swift Consultancy, we understand that access to financial resources is critical for personal and business growth. Whether you’re looking to expand your business, purchase new equipment, or manage personal finances, our tailored loan products are designed to meet your specific needs. Our mission is to provide you with the financial tools and guidance necessary to achieve your goals with confidence and ease.
Personal Loan
Features of Our Personal Loans
Flexible Loan Amounts
Borrow as little or as much as you need, with loan amounts tailored to fit your specific situation.
Competitive Interest Rates
Benefit from our attractive interest rates that make repayment manageable and affordable.
Simple Application Process
Our streamlined application process is designed to be quick and hassle-free, ensuring you get access to funds without unnecessary delays.
Cashe Personal Loan
Interest Rate
27%
Loan Amount
₹1K – ₹4L
EMI Per Lakh
₹3,054
Processing Fees
We offer a 2.50% interest rate per month (Equivalent to reducing the balance interest rate to 3.71% per EMI) on the loan amount.… more
Pre-Payment Charges
Quick Approval
Prefr Personal Loan
Interest Rate
15% – 36%
Loan Amount
₹50K – ₹5L
EMI Per Lakh
₹2,379 – ₹3,613
Processing Fees
3-5% with Minimum Proc. Fee of INR 1500 + GST
Pre-Payment Charges
Quick Approval
Edelweiss Financial Services Personal Loan
Interest Rate
18% – 25%
Loan Amount
₹2L – ₹20L
EMI Per Lakh
₹2,539 – ₹2,935
Processing Fees
—
Pre-Payment Charges
Muthoot Finance Ltd Personal Loan
Interest Rate
16.37%
Loan Amount
₹50K – ₹10L
EMI Per Lakh
₹2,452
Processing Fees
Up to 2% of the loan amount
Pre-Payment Charges
PaySense Personal Loan
Interest Rate
16% – 36%
Loan Amount
₹5K – ₹5L
EMI Per Lakh
₹2,432 – ₹3,613
Processing Fees
—
Pre-Payment Charges
- Late payment charges – Rs 500 + G.S.T
- Foreclosure charges – 4% charge on principal outstanding at the time of foreclosure.
Quick Approval
MoneyWide Personal Loan
Interest Rate
16% – 32%
Loan Amount
₹20K – ₹3L
EMI Per Lakh
₹2,432 – ₹3,359
Processing Fees
Up to 4% of loan amount
Pre-Payment Charges
Part payment charges
- Up to 4% of the prepaid amount after 1st EMI
Foreclosure charges
- Up to 4% of the outstanding amount after 1st EMI
Quick Approval
Clix Capital Personal Loan
Interest Rate
14.99% – 24.99%
Loan Amount
₹1L – ₹10L
EMI Per Lakh
₹2,378 – ₹2,935
Processing Fees
Up to 10% of loan sanctioned
Pre-Payment Charges
Canara Bank Personal Loan
Interest Rate
14.75% – 16.25%
Loan Amount
₹3L – ₹3L
EMI Per Lakh
₹2,366 – ₹2,445
Processing Fees
Up to 1% of loan amount
Pre-Payment Charges
RBL Bank Personal Loan
Interest Rate
14% – 23%
Loan Amount
₹1L – ₹20L
EMI Per Lakh
₹2,327 – ₹2,819
Processing Fees
Up to 2% of loan amount
Pre-Payment Charges
- Between 13 to 18 months: 5% of outstanding principal.
- After 18 months: 3% of outstanding principal.
- After 12 regular EMIs: NIL
InCred Financial Services Personal Loan
Interest Rate
13.99% – 42%
Loan Amount
₹50K – ₹7.5L
EMI Per Lakh
₹2,326 – ₹4,009
Processing Fees
2.00% – 5.00%
Pre-Payment Charges
Quick Approval
IndiaBulls Personal Loan
Interest Rate
13.99%
Loan Amount
₹1K – ₹15L
EMI Per Lakh
₹2,326
Processing Fees
3% onwards
Pre-Payment Charges
Aditya Birla Finance Limited Personal Loan
Interest Rate
13% – 28%
Loan Amount
₹1L – ₹30L
EMI Per Lakh
₹2,275 – ₹3,114
Processing Fees
Up to 3% of the loan amount
Pre-Payment Charges
- Pre-closure Charges – Rs 1,000 + GST
- If part pre-payment is equal to 20% of the total amount disbursed- NIL
- If part pre-payment is greater than 20% of the total amount disbursed- 3% + GST
- No prepayment allowed in the first 12 months from the date of disbursement
- Part prepayment amount should be greater than or equal to total 3 EMIs
For Flexi Personal Loan:
- No charges for payment through mobile apps/portal
- Part prepayment of loan facility towards limit reduction is not available
Foreclosure Charges
- For Term Loan: 4% of the principal outstanding + GST
- For Flexi Personal Loan: 4% of the withdrawn amount + GST
- Foreclosure is allowed only 12 months after the loan disbursal Also know the processing fee for personal loan
DCB Bank Personal Loan
Interest Rate
13% – 25%
Loan Amount
₹1L – ₹5L
EMI Per Lakh
₹2,275 – ₹2,935
Processing Fees
Up to 3% of loan sanctioned
Pre-Payment Charges
DHFL Personal Loan
Interest Rate
12.99%
Loan Amount
Up to ₹30L
EMI Per Lakh
₹2,275
Processing Fees
—
Pre-Payment Charges
IIFL Finance Personal Loan
Interest Rate
12.75% – 44%
Loan Amount
₹5K – ₹5L
EMI Per Lakh
₹2,263 – ₹4,144
Processing Fees
Up to 2%-6% of loan amount
Pre-Payment Charges
FT Cash Personal Loan
Interest Rate
12.15%
Loan Amount
₹1L – ₹5L
EMI Per Lakh
₹2,232
Processing Fees
—
Pre-Payment Charges
L&T Finance Personal Loan
Interest Rate
12% – 20%
Loan Amount
₹50K – ₹7L
EMI Per Lakh
₹2,224 – ₹2,649
Processing Fees
… more- Consumer Loan: Up to 2% of principal outstanding plus applicable taxes
- Micro Loan: 1% of loan amount plus applicable taxes
Pre-Payment Charges
Part Prepayment Charges
- Consumer Loan: Up to 5% of prepaid amount plus applicable taxes (Part prepayment of up to 25% allowed twice per year)
Foreclosure Charges
- Consumer Loan: 5% of outstanding principal amount plus applicable taxes
- Micro Loan: Nil
Shriram Urban Co Operative Bank Limited Personal Loan
Interest Rate
12% – 42%
Loan Amount
Up to ₹3L
EMI Per Lakh
₹2,224 – ₹4,009
Processing Fees
Upto 5% of the sanctioned loan amount
Pre-Payment Charges
karnataka bank Personal Loan
Interest Rate
12% – 17%
Loan Amount
₹1L – ₹25L
EMI Per Lakh
₹2,224 – ₹2,485
Processing Fees
Up to 2% of loan amount (Min. Rs 2,500 & Max. Rs 8,500)
Pre-Payment Charges
Fullerton India Personal Loan
Interest Rate
11.99% – 25%
Loan Amount
₹50K – ₹25L
EMI Per Lakh
₹2,224 – ₹2,935
Processing Fees
Processing Fee:6.00%
Pre-Payment Charges
Ujjivan Small Finance Bank Personal Loan
Interest Rate
11.49% – 16.49%
Loan Amount
₹1L – ₹30L
EMI Per Lakh
₹2,199 – ₹2,458
Processing Fees
—
Pre-Payment Charges
- Before completion of 12 EMIs: 2% of outstanding principal
- After completion of 12 EMIs: 1% of outstanding principal
Bajaj Finserv Personal Loan
Interest Rate
11% – 38%
Loan Amount
₹20K – ₹40L
EMI Per Lakh
₹2,174 – ₹3,743
Processing Fees
Up to 3.93% of loan amount
Pre-Payment Charges
- Full Prepayment
- Term Loan: Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full prepayment.
- Flexi Term Loan (Flexi Dropline): Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment.
- Flexi Hybrid Loan: Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as of the date of full prepayment.
- Part-prepayment
- Term Loan: Up to 4.72% (inclusive of applicable taxes) of the principal amount of the loan prepaid on the date of such part-prepayment.
- Not Applicable for Flexi Term Loan (Flexi Dropline) and Flexi Hybrid.
- Foreclosure will be processed post clearance of first EMI
Loantap Credit Products Private Limited Personal Loan
Interest Rate
11% – 24%
Loan Amount
₹50K – ₹10L
EMI Per Lakh
₹2,174 – ₹2,877
Processing Fees
Processing: Online TAT: 1 Day to 4 Days
Pre-Payment Charges
State Bank of India Personal Loan
Interest Rate
11%
Loan Amount
–
EMI Per Lakh
₹2,174
Processing Fees
NIL
Pre-Payment Charges
IDBI Bank Personal Loan
Interest Rate
11% – 15.5%
Loan Amount
₹25K – ₹5L
EMI Per Lakh
₹2,174 – ₹2,405
Processing Fees
—
Pre-Payment Charges
—Indian bank Personal Loan
Interest Rate
11% – 12.4%
Loan Amount
–
EMI Per Lakh
₹2,174 – ₹2,245
Processing Fees
Up to 2% of the loan amount
Pre-Payment Charges
Prepayment Charges
- 5% Pre Closure Charge
- After 6 months of account opening – 5%
- Within 6 months of account opening – 6%
AU Small Finance Bank Personal Loan
Interest Rate
11% – 30%
Loan Amount
Up to ₹10L
EMI Per Lakh
₹2,174 – ₹3,235
Processing Fees
Up to 5% of the loan amount
Pre-Payment Charges
Foreclosure charges
- 5% of the outstanding loan (if paid before 12 months)
- 3% of the outstanding loan (if paid after 12 months ) /ul>
Part foreclosure
karur Vysya Bank Personal Loan
Interest Rate
11% – 14%
Loan Amount
₹50K – ₹10L
EMI Per Lakh
₹2,174 – ₹2,327
Processing Fees
—
Pre-Payment Charges
—YES Bank Personal Loan
Interest Rate
10.99% – 20%
Loan Amount
₹1L – ₹40L
EMI Per Lakh
₹2,174 – ₹2,649
Processing Fees
Up to 2%
Pre-Payment Charges
Prepayment Charges
- Allowed if borrower has paid at least 12 EMIs.
- 20% of principal outstanding (13-24 months of EMI repayment)
Kotak Bank Personal Loan
Interest Rate
10.99%
Loan Amount
₹50K – ₹40L
EMI Per Lakh
₹2,174
Processing Fees
Up to 3% of loan amount
Pre-Payment Charges
Quick Approval
Tata Capital Financial Services LTD Personal Loan
Interest Rate
10.99% – 19%
Loan Amount
₹75K – ₹35L
EMI Per Lakh
₹2,174 – ₹2,594
Processing Fees
Up to 3.00%
Pre-Payment Charges
- Part-prepayments can be made only after 6 months. They are allowed only once a year with a minimum gap of 6 months between two part-prepayments. Amount prepaid cannot exceed 25% of the principal outstanding and a charge of 2.5% (plus applicable taxes) will be applied amounts above 25% of the principal outstanding.
- Foreclosure is allowed only after 6 months. A foreclosure charge of 3.5% + GST is applicable on the principal outstanding after 6 months. In case of foreclosure within 6 months after a part-prepayment, a foreclosure charge of 3.5% (plus applicable taxes) will be levied on the principal outstanding plus part-prepayment amount.
- For loans above ₹ 7 lakhs, a 12-month clean payment track is a must for loan foreclosure and a charge of 3.5% + GST applies unless loan is closed with own funds.
- For overdraft cases, loan foreclosure is allowed only after 6 months and a charge of 4.5% + GST is applicable on the dropped-down limit amount.
Tata Capital Housing Finance Limited Personal Loan
Interest Rate
10.99%
Loan Amount
Up to ₹35L
EMI Per Lakh
₹2,174
Processing Fees
Up to 2.75%of the loan amount
Pre-Payment Charges
CITI Bank Personal Loan
Interest Rate
10.75% – 16.49%
Loan Amount
₹50K – ₹30L
EMI Per Lakh
₹2,162 – ₹2,458
Processing Fees
Up to 3% of the borrowed loan amount
Pre-Payment Charges
Deutsche Bank Personal Loan
Interest Rate
10.75% – 11.75%
Loan Amount
₹50K – ₹15L
EMI Per Lakh
₹2,162 – ₹2,212
Processing Fees
Up to 2% of the loan amount
Pre-Payment Charges
HDFC Bank Personal Loan
Interest Rate
10.5% – 24%
Loan Amount
₹50K – ₹40L
EMI Per Lakh
₹2,149 – ₹2,877
Processing Fees
₹4,999 One time fee
Pre-Payment Charges
- 4% of the outstanding principal (loan tenure between 13 – 24 months)
- 3% of the outstanding principal (loan tenure between 25 – 36 months)
- 2% of the outstanding principal (loan tenure if over 36 months)
ICICI Bank Personal Loan
Interest Rate
10.5% – 16%
Loan Amount
₹2.5L – ₹50L
EMI Per Lakh
₹2,149 – ₹2,432
Processing Fees
Upto 2.50% of loan amount plus applicable taxes
Pre-Payment Charges
For salaried customers
- 3% plus applicable taxes on principal outstanding after payment of 1st EMI and Nil if 12 or more EMIs are paid. For MSE classified customers, charges are Nil after payment of the 1st EMI for Loan amount upto 50 lakhs.
HDFC Sales Personal Loan
Interest Rate
10.5% – 25%
Loan Amount
₹50K – ₹40L
EMI Per Lakh
₹2,149 – ₹2,935
Processing Fees
—
Pre-Payment Charges
—Axis Bank Personal Loan
Interest Rate
10.49% – 22%
Loan Amount
₹50K – ₹40L
EMI Per Lakh
₹2,149 – ₹2,762
Processing Fees
up to 2% of the loan amount + GST as applicable
Pre-Payment Charges
- 5% + GST (as applicable)
- Part-payment charges shall be charged on the amount of part payment. For loans disbursed 4th October, 2023 onwards:
- *Pre-payment Charges shall be charged on principal outstanding
DFC FIRST Bank Personal Loan
Interest Rate
10.49% – 36%
Loan Amount
₹20K – ₹1Cr
EMI Per Lakh
₹2,149 – ₹3,613
Processing Fees
Up to 3.5% of the loan amount
Pre-Payment Charges
Capital First Ltd. Personal Loan
Interest Rate
10.49%
Loan Amount
₹1L – ₹40L
EMI Per Lakh
₹2,149
Processing Fees
Up to 2.49% of the loan amount
Pre-Payment Charges
Federal Bank Personal Loan
Interest Rate
10.49% – 17.99%
Loan Amount
₹50K – ₹50L
EMI Per Lakh
₹2,149 – ₹2,539
Processing Fees
Up to 3% of loan amount
Pre-Payment Charges
- Pre-payment/pre-closure charges – Floating Rate Scheme – NIL
- Fixed Rate Scheme (including Byom Loans)- 3%
Punjab National Bank Personal Loan
Interest Rate
10.4% – 16.95%
Loan Amount
Up to ₹20L
EMI Per Lakh
₹2,144 – ₹2,483
Processing Fees
Up to 1% of the loan amount
Pre-Payment Charges
Bank of Baroda Personal Loan
Interest Rate
10.35% – 18.25%
Loan Amount
₹1L – ₹20L
EMI Per Lakh
₹2,142 – ₹2,553
Processing Fees
NIL
Pre-Payment Charges
IndusInd Bank Personal Loan
Interest Rate
10.25% – 26%
Loan Amount
₹3L – ₹75L
EMI Per Lakh
₹2,137 – ₹2,994
Processing Fees
Up to 3% of the sanctioned loan amount
Pre-Payment Charges
Bank of India Personal Loan
Interest Rate
10.25%
Loan Amount
Up to ₹10L
EMI Per Lakh
₹2,137
Processing Fees
Up to 1% (Maximum Rs 7,500)
Pre-Payment Charges
Prepayment penalty
- There is no prepayment penalty if the loan is adjusted by the borrower from his/her own verifiable legitimate sources.
Bank of Maharashtra Personal Loan
Interest Rate
10%
Loan Amount
Up to ₹20L
EMI Per Lakh
₹2,125
Processing Fees
1% of loan amount
Pre-Payment Charges
- Documentation Charges – 0.20% of the loan amount + GST.
Poonawalla Fincorp Limited Personal Loan
Interest Rate
9.99%
Loan Amount
₹1L – ₹30L
EMI Per Lakh
₹2,124
Processing Fees
one-time nominal processing fee up to 3% plus applicable taxes.
Pre-Payment Charges
HSBC Personal Loan
Interest Rate
9.99% – 16%
Loan Amount
Up to ₹30L
EMI Per Lakh
₹2,124 – ₹2,432
Processing Fees
Up to 2% of the disbursed loan amount. Processing fee paid/deducted is non refundable
Pre-Payment Charges
- 5% within 1 year of tenure,
- 4% within 2 years,
- 3% within 3 years,
- 2 % after 3 years.
Privo Personal Loan
Interest Rate
9.99% – 39.99%
Loan Amount
₹2L
EMI Per Lakh
₹2,124 – ₹3,875
Processing Fees
Up to 5%
Pre-Payment Charges
- No pre-closure charges or hidden costs are involved.
Quick Approval
Union Bank of India Personal Loan
Interest Rate
8.4%
Loan Amount
₹25L
EMI Per Lakh
₹2,047
Processing Fees
Up to 1% (Maximum Rs 7,500)
Pre-Payment Charges
Hero FinCorp Personal Loan
Interest Rate
Up to 25%
Loan Amount
₹50K – ₹5L
EMI Per Lakh
₹2,935
Processing Fees
2.5% of the loan amount + applicable taxes
Pre-Payment Charges
Reliance Capital Personal Loan
Interest Rate
Up to 16.25%
Loan Amount
–
EMI Per Lakh
₹2,445
Processing Fees
Up to 2%
Pre-Payment Charges
Punjab & Sind Bank Personal Loan
Interest Rate
Up to 11.15%
Loan Amount
Up to ₹10L
EMI Per Lakh
₹2,182
Processing Fees
Up to 1.00% of loan amount
Pre-Payment Charges
Punjab & Sind Bank Personal Loan
Interest Rate
Up to 11.15%
Loan Amount
Up to ₹10L
EMI Per Lakh
₹2,182
Processing Fees
Up to 1.00% of loan amount
Pre-Payment Charges
Home Loan
Features of Our Personal Loans
Urban Money comprehends your financial needs and offers home loans up to 95% of property valuation. Being your true mortgage loan specialist, we open the best routes to affordable home loan interest rates, speedy approvals, and minimal home loan eligibility criteria. Make the next move to your castle with our home loans with quick approval, fast-moving disbursements, flexible loan repayment periods, and low housing loan interest rates starting at 7%.
Clix Capital Home Loan
Interest Rate
15% – 25%
Loan Amount
₹2L – ₹2Cr
EMI Per Lakh
₹2,379 – ₹2,935
Processing Fees
Up to 10% of loan sanctioned
Pre-Payment Charges
- 5% of Principal foreclosed (post 6-month lock-in)
Ujjivan Small Finance Bank Home Loan
Interest Rate
13.75% – 17.75%
Loan Amount
₹2L – ₹75L
EMI Per Lakh
₹2,314 – ₹2,526
Processing Fees
—
Pre-Payment Charges
- Before completion of 12 EMIs: 2% of outstanding principal.
- After completion of 12 EMIs: 1% of outstanding principal.
Hero FinCorp Home Loan
Interest Rate
13.22%
Loan Amount
₹10L – ₹3Cr
EMI Per Lakh
₹2,287
Processing Fees
2.5% of the loan amount + applicable taxes
Pre-Payment Charges
Hero Housing Finance Home Loan
Interest Rate
13.22%
Loan Amount
₹1L – ₹3Cr
EMI Per Lakh
₹2,287
Processing Fees
—
Pre-Payment Charges
—Vastu Housing Finance Home Loan
Interest Rate
12.5% – 19.5%
Loan Amount
Up to ₹50L
EMI Per Lakh
₹2,250 – ₹2,622
Processing Fees
Up to 3% of the loan amount
Pre-Payment Charges
Aadhar housing Finance Home Loan
Interest Rate
11.75% – 17%
Loan Amount
₹1L – ₹1Cr
EMI Per Lakh
₹2,212 – ₹2,485
Processing Fees
Up to Rs 3,500
Pre-Payment Charges
- For home loan + LAP(at fixed rates): 2% of outstanding loan + applicable GST.
- For home loan + LAP (at variable rates): NIL
- For project loan: 2% of outstanding loan + applicable GST.
Piramal Housing Finance Home Loan
Interest Rate
11%
Loan Amount
₹5L – ₹2Cr
EMI Per Lakh
₹2,174
Processing Fees
—
Pre-Payment Charges
—DHFL Home Loan
Interest Rate
11%
Loan Amount
₹1L – ₹7Cr
EMI Per Lakh
₹2,174
Processing Fees
—
Pre-Payment Charges
—Muthoot Finance Ltd Home Loan
Interest Rate
11% – 19%
Loan Amount
₹3L – ₹40L
EMI Per Lakh
₹2,174 – ₹2,594
Processing Fees
Up to 2% of the loan amount
Pre-Payment Charges
Edelweiss Financial Services Home Loan
Interest Rate
10.5% – 10.9%
Loan Amount
₹5L – ₹5Cr
EMI Per Lakh
₹2,149 – ₹2,169
Processing Fees
—
Pre-Payment Charges
—Reliance Capital Home Loan
Interest Rate
9.75% – 13%
Loan Amount
₹7.5L
EMI Per Lakh
₹2,112 – ₹2,275
Processing Fees
—
Pre-Payment Charges
—DCB Bank Home Loan
Interest Rate
9.75% – 15%
Loan Amount
₹5L – ₹10Cr
EMI Per Lakh
₹2,112 – ₹2,379
Processing Fees
—
Pre-Payment Charges
Fullerton India Home Loan
Interest Rate
9.5% – 10.5%
Loan Amount
Up to ₹5Cr
EMI Per Lakh
₹2,100 – ₹2,149
Processing Fees
6.00%
Pre-Payment Charges
Union Bank of India Home Loan
Interest Rate
9.5% – 14.8%
Loan Amount
Up to ₹50L
EMI Per Lakh
₹2,100 – ₹2,369
Processing Fees
Up to 3% (plus applicable taxes) of the facility amount for sanctioned cases only
Pre-Payment Charges
YES Bank Home Loan
Interest Rate
9.4% – 10.25%
Loan Amount
₹10L – ₹10Cr
EMI Per Lakh
₹2,095 – ₹2,137
Processing Fees
Up to 2%
Pre-Payment Charges
Prepayment Charges
- Allowed if borrower has paid at least 12 EMIs.
- 20% of principal outstanding (13-24 months of EMI repayment)
Aditya Birla Finance Limited Home Loan
Interest Rate
9.1% – 14.75%
Loan Amount
₹20L – ₹10Cr
EMI Per Lakh
₹2,081 – ₹2,366
Processing Fees
Up to 3% of the loan amount
Pre-Payment Charges
Pre-closure Charges –
- Rs 1,000 + GST, If part pre-payment is equal to 20% of the total amount disbursed- NIL
- If part pre-payment is greater than 20% of the total amount disbursed- 3% + GST
- No prepayment allowed in the first 12 months from the date of disbursement
RBL Bank Home Loan
Interest Rate
9.1% – 11.55%
Loan Amount
₹1L – ₹10Cr
EMI Per Lakh
₹2,081 – ₹2,202
Processing Fees
Up to 2% of loan amount
Pre-Payment Charges
- Between 13 to 18 months: 5% of outstanding principal.
- After 18 months: 3% of outstanding principal.
- After 12 regular EMIs: NIL
Capri Global Home Loan
Interest Rate
9% – 16.75%
Loan Amount
₹5L – ₹50L
EMI Per Lakh
₹2,076 – ₹2,472
Processing Fees
—
Pre-Payment Charges
Capital First Ltd. Home Loan
Interest Rate
9% – 11.5%
Loan Amount
₹5L – ₹25Cr
EMI Per Lakh
₹2,076 – ₹2,199
Processing Fees
Rs. 2000 (For loan amount up to Rs. 10 lakh
Pre-Payment Charges
Poonawalla Fincorp Limited Home Loan
Interest Rate
9% – 22%
Loan Amount
₹1L – ₹1Cr
EMI Per Lakh
₹2,076 – ₹2,762
Processing Fees
one-time nominal processing fee up to 3% plus applicable taxes.
Pre-Payment Charges
- Pre-paying a Business Loan is a smart way to save on payment of additional interest, thereby keeping the overall costs low.
- With Poonawalla Fincorp’s Business Loan, you can prepay at your convenience and are not required to pay any fee for the same.
- This is because we levy zero prepayment charges on our Business Loan if paid from own sources.
- This helps you maximize your savings and focus on your business.
Cholamandalam Finance Home Loan
Interest Rate
8.99% – 9.75%
Loan Amount
₹10L – ₹5Cr
EMI Per Lakh
₹2,075 – ₹2,112
Processing Fees
3% onwards
Pre-Payment Charges
IndiaBulls Home Loan
Interest Rate
9% – 20%
Loan Amount
₹5L – ₹50L
EMI Per Lakh
₹2,076 – ₹2,649
Processing Fees
Rs 5,000 (including GST)
Pre-Payment Charges
ICICI Bank Home Loan
Interest Rate
8.85% – 9.1%
Loan Amount
₹3L – ₹75L
EMI Per Lakh
₹2,069 – ₹2,081
Processing Fees
The processing fee is 0.50% of the loan amount, plus applicable taxes
Pre-Payment Charges
- NIL for ICICI Home Loans and ICICI Home Improvement Loans with a floating rate of interest.
- 2% on the outstanding principal on full repayment for ICICI Bank Home Loan with a fixed rate of interest.
- 2% on the outstanding principal on full repayment for Top Up Loan if the applicant or co-applicant is Non-Individual.
- 4% on the outstanding amount of loan where the loan is given to Non Individual borrowers or with a fixed rate of interest to Individual borrowers.
Federal Bank Home Loan
Interest Rate
8.8% – 10.25%
Loan Amount
₹15L
EMI Per Lakh
₹2,066 – ₹2,137
Processing Fees
Up to 3% of loan amount
Pre-Payment Charges
- Floating Rate Scheme- NIL
- Fixed Rate Scheme (including Byom Loans)- 3%
IDFC FIRST Bank Home Loan
Interest Rate
8.75% – 10.5%
Loan Amount
₹1L – ₹10Cr
EMI Per Lakh
₹2,064 – ₹2,149
Processing Fees
Up to 3.5% of the loan amount
Pre-Payment Charges
Deutsche Bank Home Loan
Interest Rate
8.75% – 9.15%
Loan Amount
₹5L – ₹25Cr
EMI Per Lakh
₹2,064 – ₹2,083
Processing Fees
—
Pre-Payment Charges
—karnataka bank Home Loan
Interest Rate
8.75% – 10.35%
Loan Amount
₹20L – ₹5Cr
EMI Per Lakh
₹2,064 – ₹2,142
Processing Fees
—
Pre-Payment Charges
Axis Bank Home Loan
Interest Rate
8.7% – 13.3%
Loan Amount
₹1L – ₹5Cr
EMI Per Lakh
₹2,061 – ₹2,291
Processing Fees
0.50%(Min ₹10,000)one time fee
Pre-Payment Charges
Kotak Bank Home Loan
Interest Rate
8.7% – 9.6%
Loan Amount
₹10L – ₹10Cr
EMI Per Lakh
₹2,061 – ₹2,105
Processing Fees
Up to 3% of loan amount
Pre-Payment Charges
Quick Approval
Tata Capital Housing Finance Limited Home Loan
Interest Rate
8.7% – 12%
Loan Amount
₹5L – ₹5Cr
EMI Per Lakh
₹2,061 – ₹2,224
Processing Fees
Up to 2.75%of the loan amount
Pre-Payment Charges
L&T Finance Home Loan
Interest Rate
8.6%
Loan Amount
₹2L – ₹20Cr
EMI Per Lakh
₹2,056
Processing Fees
—
Pre-Payment Charges
Godrej Housing Finance Home Loan
Interest Rate
8.55%
Loan Amount
₹5L – ₹2Cr
EMI Per Lakh
₹2,054
Processing Fees
—
Pre-Payment Charges
—Punjab & Sind Bank Home Loan
Interest Rate
8.55% – 10%
Loan Amount
₹5L – ₹5Cr
EMI Per Lakh
₹2,054 – ₹2,125
Processing Fees
Up to 1.00% of loan amount
Pre-Payment Charges
Punjab National Bank Housing Finance Home Loan
Interest Rate
8.5% – 11.25%
Loan Amount
₹1L – ₹5Cr
EMI Per Lakh
₹2,052 – ₹2,187
Processing Fees
Up to 1% of the loan amount
Pre-Payment Charges
Housing Development Finance Corporation Home Loan
Interest Rate
8.5% – 9.4%
Loan Amount
₹1L – ₹1Cr
EMI Per Lakh
₹2,052 – ₹2,095
Processing Fees
Up to Rs 4,999
Pre-Payment Charges
Pre-closure Charges Allowed if borrower has paid at least 12 EMIs.
For salaried:
- 4% of principal outstanding (13-24 months)
- 3% of principal outstanding (25-36 months)
- 2% of principal outstanding (After 36 months)Part-payment Fees Allowed if borrower has paid at least 12 EMIs.
IIFL Finance Home Loan
Interest Rate
8.5%
Loan Amount
₹1L – ₹2Cr
EMI Per Lakh
₹2,052
Processing Fees
Up to 2%-6% of loan amount
Pre-Payment Charges
Canara Bank Home Loan
Interest Rate
8.5% – 11.25%
Loan Amount
₹10L – ₹50L
EMI Per Lakh
₹2,052 – ₹2,187
Processing Fees
Up to 1% of loan amount
Pre-Payment Charges
IndusInd Bank Home Loan
Interest Rate
8.45% – 15%
Loan Amount
₹1L – ₹15Cr
EMI Per Lakh
₹2,049 – ₹2,379
Processing Fees
Up to 0.50 % of the loan amount + GST and other applicable statutory levies
Pre-Payment Charges
HSBC Home Loan
Interest Rate
8.45%
Loan Amount
₹3L – ₹30Cr
EMI Per Lakh
₹2,049
Processing Fees
Up to 2% of the disbursed loan amount. Processing fee paid/deducted is non refundable
Pre-Payment Charges
- 5% within 1 year of tenure,
- 4% within 2 years,
- 3% within 3 years,
- 2 % after 3 years.
Bank of Baroda Home Loan
Interest Rate
8.45%
Loan Amount
₹3L – ₹30Cr
EMI Per Lakh
₹2,049
Processing Fees
Up to 2% of the disbursed loan amount. Processing fee paid/deducted is non refundable
Pre-Payment Charges
- 5% within 1 year of tenure,
- 4% within 2 years,
- 3% within 3 years,
- 2 % after 3 years.
Bank of Maharashtra Home Loan
Interest Rate
8.5%
Loan Amount
–
EMI Per Lakh
₹2,052
Processing Fees
1% of loan amount
Pre-Payment Charges
- Documentation Charges – 0.20% of the loan amount + GST
LIC Housing Finance Home Loan
Interest Rate
8.5%
Loan Amount
₹1L – ₹15Cr
EMI Per Lakh
₹2,052
Processing Fees
Flat Rs 3,000
Pre-Payment Charges
- In case of fixed-rate home loan/applicants other than individuals – 2% on the principal repaid.
- In the case of a floating home loan: prepayment charges are not applicable.
Bajaj Finserv Home Loan
Interest Rate
8.4% – 10.6%
Loan Amount
₹10L – ₹10Cr
EMI Per Lakh
₹2,047 – ₹2,154
Processing Fees
NIL
Pre-Payment Charges
State Bank of India Home Loan
Interest Rate
8.4% – 10.15%
Loan Amount
₹5L – ₹40Cr
EMI Per Lakh
₹2,047 – ₹2,132
Processing Fees
Up to 1.3%
Pre-Payment Charges
—Punjab National Bank Home Loan
Interest Rate
8.4% – 10.25%
Loan Amount
₹1L – ₹5Cr
EMI Per Lakh
₹2,047 – ₹2,137
Processing Fees
0.25% of Loan amount (Minimum – Rs. 1000/- Maximum Rs. 1500/-)
Pre-Payment Charges
Indian bank Home Loan
Interest Rate
8.4% – 9.9%
Loan Amount
Up to ₹75L
EMI Per Lakh
₹2,047 – ₹2,120
Processing Fees
—
Pre-Payment Charges
- IB Pension Loan Scheme – Up to Rs 25,000- NIL
- Above Rs 25,000- Rs 250
- IB Clean Loan to Salaried – 1.00% on the loan amount
HDFC Bank Home Loan
Interest Rate
8.35% – 9.4%
Loan Amount
₹1L – ₹10Cr
EMI Per Lakh
₹2,044 – ₹2,095
Processing Fees
₹4,999 One time fee
Pre-Payment Charges
- 4% of the outstanding principal (loan tenure between 13 – 24 months)
- 3% of the outstanding principal (loan tenure between 25 – 36 months)
- 2% of the outstanding principal (loan tenure if over 36 months)
Bank of India Home Loan
Interest Rate
8.3%
Loan Amount
Up to ₹5Cr
EMI Per Lakh
₹2,042
Processing Fees
Up to 1% of loan amount + GST
Pre-Payment Charges
- On the floating rate of interest by the individual borrower: No charges.
- On the floating rate of interest by non-individual borrower being applicant or co-applicant: 2% of principal prepaid.
- On the fixed rate of interest by the individual borrower: 3% of principal prepaid; if prepayment is my own source then no fee is applicable.
- On the fixed rate of interest by non-individual borrower being applicant or co-applicant: 3% of principal prepaid.
IDBI Bank Home Loan
Interest Rate
8.05% – 13.45%
Loan Amount
₹10K – ₹50Cr
EMI Per Lakh
₹2,030 – ₹2,298
Processing Fees
For Dropline OD: 1% of the limit subject to a maximum of Rs 10 lakh.
Pre-Payment Charges
CITI Bank Home Loan
Interest Rate
8%
Loan Amount
₹2.1L – ₹10Cr
EMI Per Lakh
₹2,028
Processing Fees
Up to 3% of the borrowed loan amount
Pre-Payment Charges
Home First Finance Company Home Loan
Interest Rate
8% – 18%
Loan Amount
₹20K – ₹75L
EMI Per Lakh
₹2,028 – ₹2,539
Processing Fees
—
Pre-Payment Charges
HDFC Sales Home Loan
Interest Rate
7.55% – 8.05%
Loan Amount
₹5L – ₹10Cr
EMI Per Lakh
₹2,006 – ₹2,030
Processing Fees
—
Pre-Payment Charges
Loan Against Property
we understand your urgent need for finances. Tailoring the best loan against property options from premium banking and non-banking institutions, we ensure fast LAP approval with minimal documentation. Offering a robust response to your immediate needs of consolidating debts or paying extensive medical bills, we even help you avail a loan against property without income proof and ensure competitive LAP interest rates between 8%-25% p.a. Guiding you to the right financial path, we at Urban Money furnish flexible repayment options via a comprehensive and comparative EMI analysis.
Fullerton India LAP
Interest Rate
24%
Loan Amount
₹50K – ₹12Cr
EMI Per Lakh
₹2,877
Processing Fees
nil
Pre-Payment Charges
- Within 6 months from the Agreement Date – 5%.
Vastu Housing Finance LAP
Interest Rate
17.5% – 23.5%
Loan Amount
Up to ₹50L
EMI Per Lakh
₹2,512 – ₹2,848
Processing Fees
Upto 3% of Loan Amount plus applicable taxes and/ or other statutory levies
Pre-Payment Charges
Clix Capital LAP
Interest Rate
14.99% – 24.99%
Loan Amount
Up to ₹2Cr
EMI Per Lakh
₹2,378 – ₹2,935
Processing Fees
upto 10% of loan amount.
Pre-Payment Charges
Muthoot Finance Ltd LAP
Interest Rate
14.5% – 16.5%
Loan Amount
₹2L – ₹35L
EMI Per Lakh
₹2,353 – ₹2,458
Processing Fees
2.50% plus GST
Pre-Payment Charges
Ujjivan Small Finance Bank LAP
Interest Rate
13.75% – 15.75%
Loan Amount
₹3L – ₹10L
EMI Per Lakh
₹2,314 – ₹2,419
Processing Fees
2% of the loan applied for + GST
Pre-Payment Charges
Home First Finance Company LAP
Interest Rate
12.8% – 18.5%
Loan Amount
₹1L – ₹25L
EMI Per Lakh
₹2,265 – ₹2,567
Processing Fees
Rs 2,500 + GST*
Pre-Payment Charges
Federal Bank LAP
Interest Rate
12.6%
Loan Amount
₹50L – ₹3Cr
EMI Per Lakh
₹2,255
Processing Fees
1% of the limit sanctioned with a minimum of Rs.3000/-
Pre-Payment Charges
Aadhar housing Finance LAP
Interest Rate
11.75% – 17%
Loan Amount
₹25L – ₹1Cr
EMI Per Lakh
₹2,212 – ₹2,485
Processing Fees
2% of the Loan Amount plus applicable GST
Pre-Payment Charges
Piramal Housing Finance LAP
Interest Rate
11.5%
Loan Amount
Up to ₹5Cr
EMI Per Lakh
₹2,199
Processing Fees
Up to 1% of the loan amount
Pre-Payment Charges
- 2% of the principal amount of Loan being prepaid + applicable taxes.
DHFL LAP
Interest Rate
11.5%
Loan Amount
Up to ₹10Cr
EMI Per Lakh
₹2,199
Processing Fees
NIL
Pre-Payment Charges
State Bank of India LAP
Interest Rate
11.05% – 14.05%
Loan Amount
₹1L – ₹20L
EMI Per Lakh
₹2,177 – ₹2,329
Processing Fees
NIL
Pre-Payment Charges
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